Embroker vs HUB International General Liability Insurance

Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ⁸Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.

Not described in the reviewed sources.

The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. ⁸Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there.

Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. ⁴Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business.

Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. ⁴Company-reported. Product-page FAQ: Is General Liability insurance required by law?

Not described in the reviewed sources.

Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. ⁴Company-reported. Product-page coverage summary; the issued policy and declarations control.

Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. ⁴Company-reported. Product-page What's not included section.

HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ⁸Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.

The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. ⁴Not publicly disclosed. Product page as read on 2026-09-23.

Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. ⁸Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Not described in the reviewed sources.

The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. ⁸Not found in reviewed sources. Checked the general liability product page on 2026-09-23.

Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. ⁴Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research.

HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ⁸Company-reported. Product-page copy; no online quote or bind flow is described.